First State Bank of Blakely

Blakely, GeorgiaFDIC Cert #15496

STATEEstablished 19038 branches

Holding company: FIRST ST BANCSHARES BLAKELYRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$51.3M
Investor CRE	$36.6M
Multifamily	$1.26M
Construction	$17.1M
1–4 family	$73.8M
C&I	$42.5M
Agriculture	$206M
Other	$16.7M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$445M

+0.6%y/y

Percentile by value70th percentileby value

FDICLNLSGR

Net loans

$439M

+0.8%y/y

Percentile by value70th percentileby value

FDICLNLSNET

Loans YoY

+0.80%

−83.6%y/y

Percentile by value23rd percentileby value

FDICLNLSNET

L/D

82.6%

+1.1%y/y

Percentile by value58th percentileby value

FDICLNLSNET + DEP

Loans/assets

66.1%

+1.3%y/y

Percentile by value43rd percentileby value

FDICLNLSNET + ASSET

RE loans %

63.48%

+2.5%y/y

Percentile by value14th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,651points

+0.2%y/y

Peer standing82nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

11.53%

+5.0%y/y

Percentile by value44th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

8.22%

+23.1%y/y

Percentile by value28th percentileby value

FDICLNRENROT + LNLSGR

C&I %

9.54%

−10.2%y/y

Percentile by value49th percentileby value

FDICLNCI + LNLSGR